FDIC Q4 2025 QBP Shows ROA 1.24%, Net Income Down
FDIC Quarterly Banking Profile reported Q4 2025 industry ROA of 1.24% and aggregate net income of $77.7 billion, down $1.6 billion from prior quarter.
Q4 2025 QBP shows modest decline in industry profitability but continued solid returns across 4,336 insured institutions. Provides baseline for peer benchmarking, credit and liquidity trend analysis, and stress testing assumptions.
Industry-wide profitability and asset quality trends inform credit, market, and liquidity risk assumptions.
Action Required
Update industry benchmarking and peer analysis in risk appetite and capital planning materials.
Authoritative industry-wide financial benchmark.
Incorporate Q4 2025 QBP benchmarks into peer analysis, ICAAP, and risk appetite reporting.
“FDIC released Quarterly Banking Profile; Q4 2025 ROA 1.24% and aggregate net income $77.7 billion, down $1.6 billion, across 4,336 insured institutions.”